DiVita Home Finance provides expert mortgage services throughout Sacramento County and the greater Sacramento region — California’s capital city and one of the state’s most dynamic real estate markets. Whether you’re buying your first home in Elk Grove, refinancing in Roseville, or investing in Sacramento’s growing urban core, our team delivers fast pre-approvals and competitive rates.
Sacramento’s Housing Market in 2026
Sacramento has emerged as one of California’s most sought-after housing markets, drawing buyers from the Bay Area seeking more space at lower prices. With median home prices well below the Bay Area and strong job growth driven by state government, healthcare, and technology sectors, Sacramento offers genuine value for buyers at all price points.
Loan Programs Available in Sacramento
- Conventional Loans — as low as 3% down for qualified buyers
- FHA Loans — 3.5% down, excellent for first-time buyers throughout Sacramento County
- VA Loans — 0% down for veterans; significant military and veteran population in the region
- Jumbo Loans — for higher-priced properties in Granite Bay, El Dorado Hills, and East Sacramento
- USDA Loans — 0% down for qualifying areas in Sacramento County’s rural outskirts
- Bank Statement Loans — for self-employed buyers and business owners
2026 Conforming Loan Limit — Sacramento County
The 2026 conforming loan limit for Sacramento County is $806,500 for a single-family home. Most Sacramento-area purchases fall within this limit, keeping access to conventional and FHA financing broad.
Cities We Serve in the Sacramento Region
DiVita Home Finance originates mortgages throughout the Sacramento area including Elk Grove, Roseville, Rocklin, Davis, Folsom, Natomas, Citrus Heights, and Granite Bay.
First-Time Buyers in Sacramento
Sacramento is one of the most accessible markets in California for first-time buyers. CalHFA down payment assistance, strong FHA loan availability, and home prices significantly below the Bay Area make ownership achievable here for buyers who’ve been priced out of coastal markets.
Get Pre-Approved for a Sacramento Mortgage
📞 800-239-1103 | NMLS #323700 | California DRE #01818285
Sacramento Area Home Prices & Mortgage Landscape — 2026
The Sacramento metro area — including Elk Grove, Roseville, Folsom, Rocklin, and Lincoln — offers some of California’s most affordable major-market real estate. With conforming loan limits of $763,600 for Sacramento, El Dorado, and Placer counties, most buyers qualify for standard conventional financing.
| City / Area | Median Home Price (2026) | Typical Loan Amount | Loan Type |
|---|---|---|---|
| El Dorado Hills | $750,000 | $600,000 | Conforming / High-conforming |
| Folsom | $700,000 | $560,000 | Conforming |
| Roseville | $650,000 | $520,000 | Conforming |
| Rocklin / Lincoln | $600,000 | $480,000 | Conforming |
| Sacramento (urban) | $525,000 | $420,000 | Conforming |
| Elk Grove | $580,000 | $464,000 | Conforming |
| Natomas / Rancho Cordova | $475,000 | $380,000 | Conforming / FHA |
Frequently Asked Questions — Sacramento Mortgage
What is the conforming loan limit in Sacramento in 2026?
The 2026 conforming loan limit for Sacramento, Placer, and El Dorado counties is $763,600 for a single-family home — higher than the national baseline of $806,500. This means most Sacramento-area buyers can access conventional Fannie Mae/Freddie Mac financing without the stricter requirements of a jumbo loan.
What mortgage programs are available for Sacramento first-time buyers?
Sacramento first-time buyers have access to CalHFA conventional and FHA programs with down payment assistance, the CalHFA Dream For All shared appreciation program, USDA loans for eligible rural areas in the outer Sacramento region, and standard FHA loans with 3.5% down. DiVita Home Finance works with all of these programs and can help identify which combination minimizes your out-of-pocket costs.
Are home prices in Sacramento still affordable in 2026?
Relative to the Bay Area and coastal California, Sacramento remains one of the most affordable major metro areas in the state. Median prices in Roseville and Rocklin average $600,000–$700,000, compared to $1.5M+ in Marin County. Remote work migration from the Bay Area has pushed Sacramento prices up significantly since 2020, but the market has stabilized and affordability relative to income remains favorable.
Can I get pre-approved for a Sacramento mortgage quickly?
Yes. With complete documentation (W-2s, pay stubs, bank statements, ID), DiVita Home Finance can issue a pre-approval in 24–48 hours. Sacramento’s faster-paced market benefits from pre-underwritten approvals that show sellers your financing is solid — not just a pre-qualification based on stated income.
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
